How To Find The Cheapest Car Insurance For 16 Year Old Drivers
If you are in the market for car insurance for 16 year old drivers it is likely that
you want to save money and yet still be able to provide comprehensive coverage for your teen. By shopping online using car insurance comparison sites you can get great rates on top quality coverage without a whole lot of hassle. These massive databases allow you to view the rates of numerous top rated insurer side by side, giving you the advantage when it comes to spotting driver profile specific rewards, incentives and deals.Insurance companies are always looking for new ways to attract more business. The competition in the industry is fierce and being able to provide a super low rate that doesn't require a huge deductible is one way that many stay afloat. The catch however, is that no one insurance company can really ever offer the lowest rate to all driver demographics.
The ability to reach out to new customers with super low prices is limited by the insurer's financial resources. For this reason every insurer will only reach out to specific driver demographics with special offers. Some companies will have great rates for those individuals who have managed to remain accident free for a determined amount of time. Others will have the financial strength to appeal to riskier drivers by offering great rates.
This means that your teen can get full coverage without breaking the bank. The trick is to find those companies that can afford to offer affordable insurance to young drivers even though there is less behind the wheel experience. Because online price comparison sites let you choose from among top providers, quality comes without question. Better still, because there are so many within these vast online databases, the likelihood of you finding the policy that you are looking for at a rate that you cannot refuse is much higher than it is when shopping with a broker.
There are also several other things that you can do to help cut the cost of coverage for your teen. Investing in additional hours of certified behind the wheel training will usually qualify your child for a rate reduction. With this option however, it is always best to check with both the insurer and the State Department of Motor Vehicles to make certain that any training that you choose is approved for the applicable discount.
There are also certain vehicle features that may help you get a better rate. Anything on or in the car that limits the likelihood of you having to file a claim on your child's behalf will generally qualify you for a discount. This may include automatic seat-belts, anti-lock brakes and front and side air bags. Anti-theft devices will usually help garner savings as well.
There is also the opportunity to take advantage of multi-vehicle policies. For two adults a multi-vehicle policy can often times serve to cut the entire cost of coverage almost in half. While the savings will definitely not be the same when you are placing a teen behind the wheel, you can still shave a considerable amount of money off of the total cost of insurance when you choose this option. Finding car insurance for 16 year old drivers does not have to be a pain-filled experience, especially when you take advantage of the numerous online shopping options that are designed to help you save.
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